Why Refinancing a Fixed-Rate Mortgage Might Be a Big Mistake?

In this post and video I answer the second part of Sam’s question and whether they should pull equity out of his wife’s property, refinancing the Fixed-Rate Capital Repayment Mortgage. In my opinion the key question is, is it worth keeping a little extra cash-flow, or drawing out equity to buy more (buy to let)…

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Would you like an introduction to my mortgage broker?

I get so many emails from people asking if I can recommend a good mortgage broker – and of course, I can. So, if you’re looking for a great broker who specialises in buy to let, or if you need finance for owner-occupier residential properties or are looking to get in touch with a development…

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How Much Money Do I Have For My Property Business?

Question 4 – How Much Money Do I Have For My Property Business?

In this short series of videos we are looking at the twelve questions which I think every property investor should ask themselves when they  begin in property and regularly as they go through their property journey to make sure that they are still on track and doing the right things.  And question number four is…

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Getting money from the bank for your buy to let investment properties

There are something like 1400 different buy to let products available so, no matter what your circumstances, there should be a bank somewhere who will lend to you. In this video we’ll look at what banks principally think about when deciding whether to lend. Here’s to successful property investing Peter Jones B.Sc FRICS Chartered Surveyor,…

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What do lenders look for when they assess an application?

Having found a suitable property – or preferably whilst looking for a suitable investment property – you will then need to look at financing your investment. There are many ways to finance a property, but let’s assume you plan to approach a traditional lender. This poses the question “what do lenders look for when they…

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How to finance your refurb project

Finance costs tend to be the greatest expense for any buy to let investor and those looking to hold and rent a property will need to think carefully about finance to be on the right path towards guaranteeing a profit. Any increase in the value of a property following a refurbishment can be potentially drawn…

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Equity and Finance Part 6

There are two principles that I am trying to get across, both of which are crucial for any property investor. The second principle is that ninety-nine times out of one hundred the most successful investors are the ones who come to terms with, and learn how to manage, debt, and who are prepared to be…

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Equity and Finance Part 5

There are two principles that I am trying to get across, both of which are crucial for any property investor. The first is that a key tool you can use to accelerate the growth of your business is the efficient, but I stress considered, use of gearing. The reason why many investors have been able…

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Equity and Finance Part 4

I wouldn’t say that in order to be a successful property investor you need to rush off and remortgage your home or your existing property investments but let’s look at the arguments for and against doing so. The first argument against is that you shouldn’t spend your capital. But in a sense you’re not really…

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Equity and Finance Part 3

As our equity increases, we’ll be even better off. This is because, as active investors, as the equity in each of the investment properties increases, we would have the option to refinance and buy yet more properties meaning we’d have far more equity than the £1.11m. But I think you get the point. Now, for…

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